A credit card is a great way to make purchases, and if used effectively, can even be a good way of managing your budget. We've loaded all the great features you're looking for onto one card - low purchase rate, low cash advance rate with no cash advance fee (something you don't often see!), low annual fee and a rewards program that gives you cash back when you make purchases.*
Features
- Up to 55 days interest free on purchases
- You earn one reward dollar for every $150 you spend on your card for eligible transactions
- My Rewards dollars are credited directly to your Visa My Rewards Credit Card account each month
- Low $89 annual fee
- Additional cardholders for free
- Visa payWave
- Easy payments through Apple Pay and Google Pay
- Access to exclusive offers through Visa Entertainment
- Security and peace of mind under the Visa Zero Liability protection
- The same rates for purchases and cash advances
- Access to over 2 million ATMs in more than 200 countries
Rates & Fees
| Purchase Rate | 13.99Interest rate |
Effective date from Wednesday 27 August 2025 |
| Fees | |
|---|---|
| Annual fee | $89 |
The fine print
*Reward dollars are earned on eligible purchases. See the Queensland Country My Rewards Terms and Conditions for more information.
Rates are subject to change: Variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Credit approval and terms: Normal lending criteria, terms and conditions apply and will be included in our Offer and Loan Contract.
No interest free period applies on cash advances. Normal lending criteria applies to credit cards. Members must be 18 years or over, permanent residents of Australia and currently live in Australia. Additional card holders must be 16 years or over.
Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Target Market Determination; Credit Card brochure; Credit Guide; Fees and Charges brochure; Account and Access Facility Conditions of Use; Personal Loan & Credit Card Interest Rate Schedule and Visa Credit Card Conditions of Use.